every month keep try apply Islamic PETRONAS, keep reject........
only received sms said reject with no reason, sigh.....
current holding platinum 2 cards, apply Islamic PETRONAS gold also fail

i apply online, how to split it?

Cashiers let you pay bills using credit card?

you should ask the respective petronas staff whether they accept cc.

if they accept cc, yes, ikhwan mc would get CB. CB is based on merchant MCC, NOT the items you pay for.
there are other petronas stations that accept bill payment via epay, but definitely cash-only.

Shit, after I lowered down my credit limit by 30% for my conventional card, applied Ikhwan Petronas again and still got rejected. Why ah?

No issue with my credit record as I just got my Barcelona Signature last month. Previously was suspecting credit limit too high so cannot get another Maybank credit card so I lowered it and applied again, still cannot get ><

Oh is it? I don't mind getting my CL lowered...can't really use that much.

Can you elaborate more on "split CL from your existing CL"? I know it should pretty self explanatory and I did read the first page but still couldn't understand. I can't seem to differentiate it with lowering down my CL.
Example, let's say my current conventional credit card CL is 10k. I lowered it down to 5k. So I have 5k more for Ikhwan. It does not work that way?

So what happens to the 10k CL if I split it? Can split to any amount?

In that case, how should I split the CL? I went to the Maybank branch in Sunway and told them my issue but they never suggested splitting CL...so I didn't know there's a difference 

Thanks for the advice! I just sent them an email and see how it goes 

you can request split 1k and get additional 1k limit
last time i requested split 1k
but mbb din split and gave me 1k limit for ikhwan master
so get additional limit
 

I've to say that I can see from this thread alone that majority got their Ikhwan by splitting from conventional CL.

Even myself got by splitting from conventional CL.

As this has been discussed so many times before, it's like been hard-coded into my brain and I even straight advise my friends to just split CL if want to apply for Ikhwan.

But there are people who get Ikhwan through new application.

One thing that I'm really curious about this card is, why is it so hard to apply via new/fresh application?

I mean, I've been following this thread for quite some time now and the rejection rate is pretty high comparing to other cards. Even my friends have had hard time getting this card not to mention my personal experience

I can see that most are actually existing card holders with MBB but yet still rejected. Some even earn quite a lot and conventional card CL not very high yet rejected. The best part is, I believe some even never had any outstanding with any CC (clean record even after using CC for years) but still rejected.

I don't really care about this actually tbh but it's really interesting to have some insights I mean like is it because it's islamic CC or simply because MBB is just stringent for this card...

why ==> for those who spend time in lowyat credit card rebate , the "why" should be the same , to get $ out from credit cards/bank
if not , why the hell waste time to find out ?
Currently i hold :
1. PBB VS  + Sup == RM38 + 38  + RM50/weekly ===> consistently meet
2. UOB YOLO= RM50
3. HLB WISE = RM100
4. ALLIANCE YOUNICE = RM50
5. MBB Ikwan = RM5--50 depend on Fri/Sat grocery/Petrol

as u can see, RM50 here , RM50 there ...... it's add up monthly and yearly !

Honestly, I’m been using my VS for petrol and groceries so much, I’ve totally forgotten about this ikhwan.

And yes, 200-300 here could be someone’s one day salary sometimes. Not worth the headache trying to maximize something when you can’t :/

For expatriate document require and how about chances for approval?

How can you get rm100 with Amex ?

Hi geng...my cc application had been approved...but didn't receive yet. It appears already at maybank2u website as "visa ikhwan gold". Is it the Petronas type??? Omg...I don't want that..caused I told the officer I want the normal ikhwan...hmmmm.

Hmmm could be, but petronas ikhwan cc quite good meh...8% cb for petrol and groceries spending at petronas station every weekend and 1% cb every weekdays.

Not all can accept.

Burger king accepts PayWave but not Paypass.

So that's mean I will have 2 cc at the same time with one account? Or seperate account? Kinda confius since 1st time with cc.

I know...but the problem is I need the mastercard to get cb when spending on the hypermarket. Dunno what to spend at petronas station My major spending at Tesco or Mydin. Raya around the corner. Damnnnn feeling unhappy now. Sobs sobs sobs

Thanks for the advise sifu.. hopefully they can add the card for me lah..
Haha not really lah...my annual income not more than 48k..that card pheuuuuw 120k

R u sure no cb on weekday? 🤔

Here you go.
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